The FIRE Late-Career Social Security Claiming Blind Spot

Episode 76 of The FIRE Podcast examines a mistake early retirees often make: assuming Social Security won't matter. Lucas and Luna walk through the math of delaying benefits from age 62 to 70—using real Social Security Administration data—and show how even a modest spousal benefit can add $100,000+ to a FIRE portfolio's longevity. They discuss the '8 percent per year' delayed retirement credit, the tax torpedo from provisional income, and why the optimal claiming age shifts if you left the workforce at 45. No ads, just the numbers you need to model before you file. #FIRE #SocialSecurity #RetirementPlanning #EarlyRetirement #PersonalFinance #DelayedRetirement #SpousalBenefits #TaxTorpedo #Longevity #FexingoBusiness #BusinessPodcast #Finance #FIREPodcast #RetirementIncome #ClaimingStrategy #FinancialIndependence #WithdrawalRate #SSA Keep every episode free: buymeacoffee.com/fexingo